Get Out of
Debt Faster

Evaluation & Enrollment in Debt Settlement Program

Contact our Certified Debt Specialists to learn how debt settlement works and for a free, quick, no obligation evaluation of your debts and we’ll discuss how debt settlement works and the right solution for you.

STEP 2

Program Personalization

We customize debt repayment program strategies to fit what works best for you. From determining your monthly program deposit to setting up your MyCentury portal, the key to program success begins with good communication from Day 1!

STEP 3

We Get to Work

Negotiating Your Debt

We start working on your program strategies and negotiating with your creditors, plus much more.

Supporting You

Our award-winning support team works on your behalf throughout your program. With your approval, we settle your debts obtaining the best settlements for you!

Live Life

Success

Frequently Asked Questions

The first settlement can happen as soon as months 2-4 of a client’s program. This can vary greatly and depends on:

Your monthly savings/draft amount,

The number of creditors you have enrolled in the program, and

The balance of each individual account.

Century usually contacts your creditors once we are prepared to begin negotiations, except when dealing with certain difficult creditors. The actual negotiation activity is typically very limited until you have saved up enough in your settlement account, for us to make reasonable offers to your creditors. When we make contact, we notify them that we have authorization to communicate and negotiate on your behalf and we request future collection calls be directed to us and not you.

Often your credit score will decrease while you are enrolled in a debt settlement program. Our focus is to save you money by negotiating settlements on the balance owed.

When you enrolled in your debt settlement program, a plan was created for you to meet your specific goals over an estimated time. Every month you deposit/draft a preset amount into your third party account. While your funds are building in this account, Century Negotiators are reviewing your file for the strategic times to contact each of your creditors to negotiate the best settlement opportunities for you. In order for us to optimize the timing of your settlements, you must be consistently depositing into your account every month. At any time, you can log into the MyCentury portal to see your account balance and watch your funds accumulate. Once we have a settlement opportunity for you and you approve the settlement, your creditor is paid and the confirmed amount is deducted from your account.

Once we negotiate a debt, you authorize that settlement, and the first payment is sent to the creditor, the fee associated with that particular debt is due. At the time a fee is due, this amount will be deducted from your third party account. The Century negotiators will continue working to settle your remaining accounts and the subsequent fees will only be collected, per the process mentioned above.

You control the account. The bank account is set up in your name, and the money in the account is your money. The reason why we recommend keeping it in a new account, separate from your existing bank accounts, is that in our experience this separation dramatically increases the probability that you will succeed in the program. Century’s fees are deducted from this account only after each debt is settled, according to our agreement. However, the accumulated savings in the account is owned by you.

In general, debt settlement can be helpful to individuals that are struggling to keep up with their minimum monthly payments or those individuals that are suffering a financial hardship due to change in employment, health issues, or other personal reasons. Success in the program will require you to accumulate funds on a regular monthly basis. The Century team will work with you to customize your monthly deposits in a way that will work for you.

Being in debt can be a stressful life experience. On the other hand, getting out of debt is one of the most gratifying accomplishments you can achieve. This rewarding journey is often tainted with regular calls and potentially harassing communication from creditors, debt collectors, and collection attorneys. This is why Century has contracted with a national consumer advocacy group, United Consumer Advocacy Network (UCAN), which protects the rights of people who may fall victim to harassment. As a Century client, you will receive the benefits of their Creditor Intervention Program free of charge. UCAN will work with you to handle these harassing calls. It is our belief that you should be treated with respect as you work toward your goal of financial freedom.

If you have the negotiation skills and know how the process works, you can contact your creditors yourself and see if they will negotiate your debt. But like many other complicated and stressful situations, most people choose to seek help and leave these tasks to experienced professionals, like doctors, plumbers and accountants who earn their livelihoods as specialists helping people. The Century team is experienced in helping more than 180,000 clients and settling more than $18 million of our client’s debt each month. Let our experience work for you.

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Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, or 68% to 75% including fees, over 24 to 48 months. Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on our own professional experience and prior achieved results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to your creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest.

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